03-18-2012 10:22 PM
so i have 3 secured cards all opened oct 11 just waiting for a fico score after my 6th statement cuts so hopefully ill have an idea where i stand at the end of the month. I was thinking about bumping the navy federal to 1000cl but just didnt know about the bofa card being they are most likely to hp when i add to the limit. the FP card i got before i knew about myfico. so question is do i have a chance at being approved for anything? i would like to get my first unsecured card but if im better off holding off for a year and hopefully my navy card and boa graduate. i would really like a walmart card cause i shop there alot and the free tu fico would help. suggestions? my tu and eq file is clean except for 4 inquiries and ex has 2 medical collections that seem impossible to fix but im not giving up hope
03-22-2012 06:40 PM
your joking right? i dont have a balance on any of them
03-22-2012 06:50 PM
I think to get any real advice, people need to see the scores you have. I think the walmart card would be a great idea since you seem to be running blind right now. Those monthly scores would give you a snapshot of where you sit. However, it doesnt help to take an INQ and be denied... Maybe buy a score and see if youre in the ballpark for the Walmart?
03-22-2012 07:16 PM
03-22-2012 07:33 PM
yeah thanks Im holding out until i get my 6th month statement then I will pull my reports to see if I have a fico from tu and eq. Ive read about secured loans and I know navy federal does offer them but you really think I should do a secured loan?
03-22-2012 07:40 PM
You always have the option of becoming an AU on a credit card with good history. I actually plan to add my younger sibling on one of my CC before they turn 18. After that, then you should see a pretty generous score increase along with a good amount of history. I would actually recommend getting added on an Amex card, so that you can always backdate to the date you were added as on AU.
03-22-2012 07:43 PM